Dr. Prince Sarpong is a Senior Lecturer at the School of Financial Planning Law, University of the Free State. He holds a PhD and an MCom in Finance from the University of KwaZulu-Natal, a Postgraduate Diploma in Financial Planning from Nelson Mandela University, and a Bachelor of Education (Psychology) from the University of Cape Coast. Dr. Sarpong is a Certified Financial Planner professional, a member of the Financial Planning Institute of Southern Africa and a member of the Equity & Inclusion Committee of the Financial Therapy Association.Prof. Liezel Alsemgeest is the Director of the School of Financial Planning Law, at the University of the Free State. She completed her PhD in 2011 and also holds a Postgraduate Diploma in Financial Planning. She is the Programme Director for the Postgraduate Diploma in Investment Planning and the Postgraduate Diploma in Estate Planning. Dr. Alsemgeest is a Certified Financial Planner professional (CFP®) and a member of the FinancialPlanning Institute of Southern Africa. Her main area of research and passion is the subject area of personal finances and internal finance.